Design By Zen builds decision-support systems, including Ask Omega* and SHE ZenAI powered by Omega*. These services are designed to support clearer human decision-making, not replace professional advice or personal judgement. By using our website or services, you agree to the terms below.

Terms & Conditions

Design By Zen — Website Terms, Disclaimers & User Agreement

Last updated: 3rd May 2026

These Website Terms, Disclaimers and User Agreement apply to your use of the Design By Zen website, digital services, Ask Omega*, SHE ZenAI-powered services, decision-support tools, payment flows, wallet/history features, downloadable materials, content, applications, and related services.
The website www.designbyzen.com is owned and operated by VRI (NZ) Limited trading as Design By Zen. In these terms, “Design By Zen”, “DBZ”, “we”, “us”, or “our” means VRI (NZ) Limited trading as Design By Zen. “You” or “your” means the person accessing or using our website or services.

By accessing or using our website or services, you agree to these terms. If you do not agree, you should not use the website or services.

1. Current Service Position

Design By Zen is developing and operating AI-assisted decision-support systems, including Ask Omega* and SHE ZenAI powered by Omega*.

Our services may include:

General website information about Design By Zen, Omega*, SHE ZenAI, Ask Omega*, Comfort Index, and related systems.
AI-assisted decision-support outputs.
Paid “clarity decision” services.
Wallet, receipt, transaction, and decision-history features.
Decision Thread records and evidence/audit summaries.
Demonstrations, pilot services, beta services, research material, and product explainers.
Integrations with third-party systems, including payment gateways, AI infrastructure, hosting services, analytics services, and workflow tools.

Our services are designed to support clearer thinking, structured decision review, and better human-led decision-making. They do not replace professional advice, personal judgement, legal advice, medical advice, financial advice, investment advice, tax advice, or regulated professional services.

2. Website Disclaimer

The information provided on our website and through our services is for general informational, educational, product, research, and decision-support purposes only.

We aim to provide useful, good-faith information. However, we do not guarantee that all information is accurate, complete, current, suitable for your specific circumstances, or free from error.

You use the website and services at your own risk. You are responsible for evaluating whether any information, output, recommendation, or decision-support result is appropriate for your circumstances before acting on it.

To the maximum extent permitted by law, we are not liable for any loss, damage, cost, or consequence arising from your reliance on website content, AI-generated outputs, decision-support results, third-party links, or related services.

Nothing in these terms limits rights you may have under applicable New Zealand consumer law that cannot legally be excluded.

3. AI Decision-Support Disclaimer

Ask Omega*, SHE ZenAI, Omega*, and related Design By Zen systems provide decision-support, not autonomous decision authority.

AI-generated outputs may include structured summaries, confidence or certainty indicators, Comfort Index references, risk notes, key factors, suggested actions, decision threads, evidence summaries, or commentary. These outputs are intended to assist human review.

You acknowledge that:

AI systems can generate incomplete, incorrect, outdated, or misleading outputs.
AI outputs may be affected by the quality of the input provided.
Certainty, confidence, Comfort Index, or similar indicators are decision-support signals, not guarantees of truth, safety, legality, profit, success, or suitability.
You remain responsible for your final decisions and actions.
You should seek appropriate professional advice before making important decisions.

Design By Zen does not promise that Ask Omega* or any AI-supported system will produce a specific outcome, prevent loss, guarantee success, or identify every risk.

4. No Professional Advice

Our services do not provide legal, financial, investment, medical, clinical, tax, accounting, engineering, psychological, or other regulated professional advice.

Any content that touches on these topics is provided for general information and decision-support only. You should consult a qualified professional before relying on any output for a high-impact, regulated, financial, legal, health, or safety-critical matter.

You should not use our services as your sole basis for making decisions involving money, health, employment, safety, legal obligations, tax, regulatory compliance, or material business risk.

5. Ask Omega* Paid Decision Services

Ask Omega* may allow users to submit a question or decision request and receive a structured decision-support output.
A typical Ask Omega* output may include:

Clarity summary.
Certainty or confidence indicator.
Key factors.
Recommended action.
Risk note.
Comfort Index or related decision-continuity signal.
Decision Thread or history record.
Optional commentary or review features.

Payment may be required before, during, or after parts of the decision-support process, depending on the product flow, deployment stage, payment provider, or offer.

Payment does not guarantee a particular answer, outcome, business result, financial return, health result, legal position, or personal result.

6. Payment Gateways, Wallets and Receipts

We may use third-party payment providers, including conventional payment gateways and emerging payment infrastructure.

Where you make a payment through a third-party provider, that transaction may also be subject to the third party’s own terms, privacy policy, fees, settlement rules, refund rules, dispute processes, and technical limitations.

We are not responsible for delays, outages, failed transactions, declined payments, third-party errors, or third-party platform decisions outside our reasonable control.

Where wallet, receipt, transaction history, proof, ledger, or decision history features are provided, they are intended to support service continuity, auditability, and user review. They are not bank accounts, regulated financial accounts, investment accounts, stored-value accounts, or tax records unless expressly stated in writing.

You are responsible for keeping your own payment, tax, and accounting records.

7. Refunds and Cancellations

Unless stated otherwise at the point of purchase, paid digital services are generally supplied once the service has been initiated, unlocked, generated, delivered, or made available.

To the maximum extent permitted by law, we are not required to provide a refund where:

You change your mind.
You provided incomplete or unclear input.
You disagree with an AI-generated decision-support output.
You expected a different result.
You used the service for a purpose it was not designed for.
A third-party payment or wallet provider caused an issue outside our control.

However, nothing in this section limits rights or remedies you may have under applicable New Zealand consumer law, including where services are not supplied with reasonable care and skill or do not meet applicable consumer guarantees. The Consumer Guarantees Act applies to many New Zealand online sales and services.

Refunds, credits, or replacement outputs may be considered at our discretion or where required by law.

8. Beta, Pilot and Experimental Features

Some Design By Zen services may be offered as prototypes, pilots, beta releases, demonstrations, research previews, or early-access services.

These features may change, break, be withdrawn, produce unexpected results, or rely on third-party systems. We may modify, suspend, or discontinue such features at any time.
You should not rely on beta, pilot, prototype, or demonstration features for critical decisions unless we have expressly agreed otherwise in writing.

9. User Responsibilities

You agree to use the website and services lawfully, respectfully, and only for their intended purpose.

You must not:

Use the services for unlawful, fraudulent, abusive, harmful, or deceptive purposes.
Submit content that infringes another person’s rights.
Attempt to reverse engineer, scrape, overload, disrupt, or attack the website or services.
Circumvent payment gates, access controls, security features, rate limits, or usage restrictions.
Use automated tools to extract, copy, or replicate substantial parts of the website or services without permission.
Use the services to generate spam, malware, scams, harassment, impersonation, misinformation, or unlawful content.
Represent AI-generated outputs as professional advice where they are not.
Use our brand, logos, designs, product names, or system names without written permission.
Upload confidential, regulated, sensitive, or third-party information unless you have the right to do so.
Use the services in a way that could damage Design By Zen, other users, third-party providers, or the integrity of the system.

We may suspend, restrict, or terminate access where we reasonably believe these terms have been breached.

10. User Accounts and Access

Some services may require account registration, wallet connection, payment verification, or identity/session management.

You are responsible for maintaining the confidentiality of your login details, wallet access, session credentials, and devices.

You are responsible for the activity that occurs through your account or wallet unless caused by our breach of legal obligations.

We may suspend or terminate accounts, wallet access, or service access where necessary for security, misuse prevention, legal compliance, non-payment, suspected fraud, breach of terms, or system integrity.

11. Decision Threads, History and Records

Ask Omega* and related services may create or store decision records, including submitted questions, generated outputs, payment status, receipt references, review states, timestamps, Comfort Index-related values, or other service metadata.

These records are intended to support:

User review.
Decision continuity.
Auditability.
Payment/receipt matching.
Service improvement.
Evidence of delivery.
Product safety and governance.

You should not treat these records as complete legal, financial, tax, compliance, medical, or professional records.

We may retain records where reasonably required for business, security, tax, dispute-resolution, audit, product-improvement, or legal purposes.

12. Privacy and Personal Information

We collect, use, store, and disclose personal information in accordance with our Privacy Policy and applicable law.

The New Zealand Privacy Act 2020 sets out principles for how organisations collect, use, store, disclose, provide access to, and correct personal information.

Depending on how you use our services, we may collect information such as:

Contact details.
Account or session information.
Payment and receipt metadata.
Questions or prompts submitted to Ask Omega*.
Decision-support outputs.
Usage, analytics, and technical logs.
Support communications.
Security and fraud-prevention information.

You should avoid submitting highly sensitive personal information unless it is necessary and appropriate for the service you are using.

You may request access to or correction of personal information we hold about you, subject to applicable law.

13. Third-Party Services and External Links

Our website and services may link to or integrate with third-party websites, tools, payment gateways, AI providers, analytics providers, hosting services, workflow tools, infrastructure providers, or other external services.

We do not control third-party services and are not responsible for their content, accuracy, availability, security, privacy practices, fees, decisions, outputs, or performance.

Your use of third-party services may be subject to separate terms and policies. You use third-party services at your own risk.

We do not endorse or guarantee third-party products or services unless expressly stated in writing.

14. Intellectual Property

Unless otherwise stated, all rights, title, and interest in the website, services, software, systems, branding, logos, designs, visual assets, documents, frameworks, algorithms, product names, user interfaces, content, and related intellectual property remain owned by Design By Zen or its licensors.

This includes, without limitation:

Design By Zen.
DBZ.
Ask Omega*.
SHE ZenAI.
Omega*.
Comfort Index.
Decision Thread concepts.
Product interfaces and service flows.
Website copy, diagrams, graphics, articles, and explainers.
Software, APIs, architecture, prompts, workflows, and system logic.

You are granted a limited, revocable, non-exclusive, non-transferable right to access and use the website and services for their intended purpose.

You must not copy, reproduce, modify, distribute, commercialise, reverse engineer, train competing systems from, or create derivative services from our website, software, content, designs, outputs, or systems except where expressly permitted in writing or allowed by law.

15. User Submissions and Feedback

If you provide questions, prompts, comments, suggestions, ideas, feedback, testimonials, bug reports, or other submissions, you grant us a worldwide, royalty-free licence to use, reproduce, modify, analyse, publish, and incorporate that material for service delivery, improvement, research, marketing, safety, audit, and product-development purposes.

You retain ownership of your original content where applicable, but you grant us the rights needed to operate, improve, and evidence the services.

You warrant that you have the right to provide any content you submit and that doing so does not breach confidentiality, privacy, intellectual property, employment, contractual, or legal obligations.

16. Testimonials and Case Studies

Our website may contain testimonials, examples, case studies, ratings, screenshots, product outputs, or user stories.

These reflect particular experiences or demonstrations and do not guarantee that other users will achieve the same or similar results.

Individual outcomes vary depending on context, input quality, user action, timing, professional advice, market conditions, operational constraints, and other factors.

We may edit testimonials for clarity, length, grammar, formatting, or privacy, without changing their substantive meaning.

17. Marketing, Articles and Public Commentary

Our articles, social posts, public explainers, diagrams, videos, and marketing materials are intended to communicate our current understanding, product direction, research, and service positioning.

They are not guarantees of product availability, investment performance, commercial outcomes, system capability, regulatory compliance, or future features.

Statements about future plans, product roadmaps, expected integrations, investor pathways, partner models, or technical capabilities are forward-looking and may change.

18. No Investment Offer

Unless expressly stated in a separate formal offer document, nothing on our website or in our services is an offer to sell securities, financial products, shares, units, digital assets, or investment interests.

Any discussion of funding, units, investor participation, sale-and-leaseback structures, ROI, facilities, guarantees, or business models is preliminary and informational unless provided under a separate, legally reviewed investment document.

You should obtain independent legal, financial, accounting, and tax advice before making any investment or funding decision.

19. Blockchain, Digital Assets and Emerging Payment Infrastructure

Some services may reference or integrate blockchain, wallet, x402-style payments, ledger systems, tokenised records, digital receipts, or other emerging payment infrastructure.

These technologies may involve technical, operational, regulatory, custody, volatility, irreversibility, fraud, loss, access, and third-party risks.

You are responsible for understanding the risks of any wallet, digital asset, blockchain, or emerging payment technology you choose to use.

Design By Zen does not provide investment, crypto-asset, custody, financial, or digital asset trading advice or services.

20. Security

We take reasonable steps to protect our website and services, but no digital system is completely secure.
You acknowledge that online services may be affected by cyberattack, phishing, malware, unauthorised access, data loss, third-party compromise, outages, corrupted data, payment failures, or infrastructure failure.

You must take reasonable steps to secure your own devices, accounts, passwords, wallets, recovery phrases, and access credentials.

We will not ask you for wallet seed phrases or private keys.

21. Availability and Changes to Services

We may modify, update, suspend, discontinue, restrict, or replace any part of the website or services at any time.

We do not guarantee uninterrupted access, error-free operation, permanent availability, or compatibility with every device, browser, wallet, third-party provider, or integration.

We may perform maintenance, deploy updates, change pricing, revise service descriptions, or alter product flows.

Where required by law, we will honour applicable consumer rights and paid service obligations.

22. Pricing, Taxes and GST

Prices may be displayed in NZD, USD, or another currency depending on the service, payment provider, offer, or target market.

You are responsible for any taxes, duties, conversion fees, bank fees, wallet fees, network fees, or other charges associated with your use of the services unless stated otherwise.

Where required, Design By Zen may collect GST or other applicable taxes.

We do not provide tax advice. You should keep your own records and consult a tax professional where necessary.

23. Limitation of Liability

To the maximum extent permitted by law, Design By Zen, its officers, directors, employees, contractors, affiliates, suppliers, licensors, and service providers are not liable for indirect, consequential, special, exemplary, punitive, incidental, or economic loss, including loss of profit, revenue, opportunity, goodwill, data, business, reputation, or anticipated savings.

To the maximum extent permitted by law, our total liability for any claim relating to the website or services is limited to the amount you paid us for the specific service giving rise to the claim, or NZD $100 if no amount was paid.

Nothing in these terms excludes liability that cannot legally be excluded, including liability arising from intentional misconduct, gross negligence, or non-excludable consumer guarantees.

24. Indemnity

To the maximum extent permitted by law, you agree to indemnify Design By Zen against claims, losses, liabilities, costs, damages, and expenses arising from:

Your breach of these terms.
Your misuse of the website or services.
Your unlawful conduct.
Your infringement of another person’s rights.
Content, prompts, data, or materials you submit.
Your use of AI outputs in a way inconsistent with these terms.
Your use of third-party services, wallets, payment systems, or digital infrastructure.

This indemnity does not apply to the extent the claim is caused by our own unlawful conduct, gross negligence, or breach of non-excludable obligations.

25. Suspension and Termination

We may suspend, restrict, or terminate your access to the website or services where we reasonably believe it is necessary to:

Protect system security.
Prevent misuse.
Comply with the law.
Investigate suspected fraud.
Enforce these terms.
Prevent harm to users, third parties, or Design By Zen.
Maintain service integrity.
Respond to non-payment or payment reversal.
Address unacceptable conduct.

If access is suspended or terminated, you may lose access to some service features, decision history, wallet features, or account functionality.
We may retain records where reasonably required for legal, tax, accounting, fraud-prevention, audit, dispute-resolution, or operational purposes.

26. Amendments

We may update these terms from time to time.

The updated version will take effect on the date it is posted on the website, unless stated otherwise.
Your continued use of the website or services after changes are posted means you accept the updated terms.

You should review these terms periodically.

27. Governing Law

These terms are governed by the laws of New Zealand.

The parties submit to the non-exclusive jurisdiction of the courts of New Zealand.

Where appropriate, disputes may be resolved through direct communication, mediation, the Disputes Tribunal, or another agreed process before formal court proceedings.

28. Contact

For questions about these terms, privacy, access to your information, corrections, service issues, or complaints, contact:

Design By Zen
VRI (NZ) Limited trading as Design By Zen
Website: www.designbyzen.com
Email: [dev at zenig.nz]
Location: Tasman / Nelson, New Zealand